Specialized & Commercial Truck Business Insurance Solutions

Specialized Truck Businesses Face Significant Risks

Installing or repairing equipment on complex vehicles like dry freight or refrigerated trailers, snowplows, dump, refuse or fire trucks, ambulances or other trucks, can expose specialized trucking businesses to significant risks. Equipment damage, on-site accidents, and lawsuits can significantly impact business and bottom lines. Risk managers can rest assured that The Hartford is here to help reduce risks and prevail through crises and unexpected events.

Helps cover property damage, and accidents related to running a truck distribution, repair, or installation business. This policy also helps protect the assets of a company if it is sued for negligence, personal injury, libel, slander, errors, omissions, misrepresentation in advertising, and more. The policy automatically covers employees as defined in the policy and can easily be extended to cover others when needed.

The Hartford’s Specialized Truck Equipment Insurance Program is designed especially for distributors, installers, and repairers of specialized truck bodies, trailers and equipment. Our coverage helps protect the property a truck-related business owns and leases, including things like equipment, inventory, furniture and tools. Plus, businesses can tailor coverage to the unique needs of their specialty truck operations. This can include coverage for:

Helps cover the vehicles that a truck distribution, repair or installation business owns, leases, rents or borrows – on the road and off. At no additional cost, commercial auto insurance helps cover electronic equipment in vehicles, along with lease and loan gaps. Plus, The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety.

The Hartford is a leading provider of Workers’ Compensation Insurance. XactPAY® offers pay-as-you-go workers’ compensation premium payments based on actual monthly payroll figures to help better manage cash flow fluctuations and minimize audit adjustments. Best of all, this is offered at no extra cost.

Directors, Officers and Entity Liability Coverage (D&O) – helps protect specialized trucking businesses, their directors, officers and management team against loss that arises out of the day-to-day operations and management of the company.

Employment Practices Liability Coverage (EPL) – helps protect specialized trucking businesses from damages and defense costs that arise out of employment-related disputes, including but not limited to alleged discrimination, sexual harassment, violation of the Family and Medical Leave Act, refusal to hire and wrongful termination or discipline.

The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.

The Hartford’s innovative Risk Engineering team strives to help companies run safer and ultimately more profitable businesses with loss control services that include risk exposure evaluations, consultations, and recommendations for improving businesses’ safety and security.

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The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.